Tailored Personal Insurance Quotes Available
At LIRisk Insurance Brokerage, we know that New York families have diverse needs. Whether you're a car enthusiast, pet owner, landlord, or home-based business operator, basic homeowners and auto policies may leave gaps in protection. We offer a full suite of personal insurance enhancements designed to match your lifestyle—and protect what matters most.
Boat & Watercraft Insurance
Stay Covered on the Water—From Long Island to the Finger Lakes
Sailboats, Powerboats, Jet Skis, and PWC
On-Water Towing and Emergency Services
Hull, Trailer, and Equipment Coverage
Liability for Injury or Property Damage Best For: Boaters, anglers, and watersport enthusiasts.
Collector Car Insurance
Protect Your Classic, Custom, or Vintage Ride Bullet Points:
Agreed Value Settlement (No Depreciation)
Restoration and Spare Parts Coverage
Trailer and Transport Protection
Mileage-Based Premiums
Landlord Dwelling (DP-3) Insurance
Protect Your Rental Properties and Rental Income.
Property Damage from Fire, Theft, Vandalism, and Weather
Loss of Rent After a Covered Claim
Premises Liability for Tenant and Guest Injuries
Optional Add-ons: Ordinance/Law Coverage, Equipment Breakdown Best For: Investment property owners, part-time landlords, and house hackers.
RV & Motorcycle Insurance
Specialty Coverage for Recreational Vehicles & Adventure Travel
Liability, Collision & Comprehensive Protection
Coverage for ATVs, Campers, 5th Wheels & Trailers
Trip Interruption and Roadside Assistance
Personal Effects and Equipment Coverage
Best For: Riders, travelers, campers, and outdoor adventurers.
Home Business Endorsements
Protect the Business You Run from Your Home
Business Property and Inventory Protection
Liability for Client or Vendor Visits
Loss of Income from Covered Events
Optional Professional Liability and Cyber Enhancements Best For: Freelancers, e-commerce sellers, consultants, and remote professionals.
Homeowner Insurance Quotes and Coverage Options
Homeowners Insurance
Protect your home from risks like fire, theft, and natural disasters. Our Homeowners Insurance provides essential coverage for your property and belongings, safeguarding your most significant investment.
Umbrella Insurance
Get extra protection when your standard policy limits are reached. Umbrella Insurance offers an additional layer of liability coverage, ensuring your financial assets are secure in the event of a significant claim.
Rental Property Insurance
Own rental property? Protect your investment with Rental Property Insurance, covering the building, liability risks, and loss of rental income due to covered damages.
Life Insurance
Provide financial security for your loved ones with our flexible Life Insurance options. Whether you need Term Life or Permanent Life Insurance, we help you ensure your family’s future is protected.
Auto Insurance
Protect your vehicles from accidents, theft, or damage. LiabilityGuard Auto Insurance offers comprehensive coverage for you and your passengers on the road.
Personal Liability Insurance
Personal Liability Insurance
Shield yourself from legal claims due to bodily injury or property damage caused to others. Personal Liability Insurance provides peace of mind for any accidents on or off your property.
Condo Insurance
If you own a condominium, our Condo Insurance offers tailored protection for your unit’s interior, belongings, and personal liability. Stay covered in case of unexpected damage or accidents.
Renters Insurance
We provide comprehensive coverage for personal belongings and liability protection for renters, ensuring your valuables are safeguarded from fire, theft, or other unexpected events.
Protect Your Home, Valuables, and Future with Comprehensive Coverage
Whether you own, rent, or invest in property, having the right personal insurance coverage is essential to protect your assets, valuables, and financial future. At LIRisk, we specialize in tailored insurance solutions for homeowners, renters, landlords, and property investors in Long Island, NYC, and the Boroughs.
Why Personal Insurance Matters:
Protect your home, rental property, or condo from fire, theft, and liability claims.
Ensure your valuables, such as jewelry and fine art, are properly insured.
Get flood insurance in high-risk areas to avoid costly water damage repairs.
Extend your coverage with Umbrella Insurance for extra liability protection.
Why Choose LIRisk for Personal Insurance?
At LIRisk, we provide custom insurance solutions for homeowners, renters, landlords, and property investors in Long Island, NYC, and the Boroughs.
Expert Guidance – We help you find the best coverage for your needs.
Competitive Rates – Get affordable policies from top-rated insurers.
One-Stop Insurance Agency – Home, Renters, Auto, Flood, Umbrella & More!
Fast Quotes & Hassle-Free Claims Support
Step One
Initial Consultation
Step Two
Customized Proposal
Step Three
Agreement
Step Four
Coverage Begins
Flood Insurance (NFIP & Private Market) – Protection Against Water Damage
Best for: Homeowners, condo owners, and landlords in high-risk flood zones
Coverage Includes:
Building coverage for structural damage caused by flooding
Personal property coverage for furniture, electronics, and appliances
Additional living expenses if a flood displaces you
Why You Need It: Homeowners insurance doesn’t cover flood damage. If you live in a FEMA-designated flood zone, flood insurance is essential.
